Thousands of Amaia Series homeowners in Iloilo are still paying 7.5% or higher on their housing loans. Refinancing through Nook could drop your rate to 5.99% p.a. — completely free.
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Why this matters
Amaia Series Iloilo — developed by Amaia Land, the affordable housing arm of Ayala Land — has given thousands of Ilonggo families access to quality, well-located homes at attainable price points. Whether you purchased a unit in Amaia Series Brgy. San Isidro or one of the other phases across Iloilo City, your property sits on a solid Ayala Land foundation, which makes it an attractive asset for bank refinancing. Lenders view Amaia properties favorably because of the developer's reputation, clear land titles, and consistent community management — all factors that strengthen your refinancing application.
Many Amaia homeowners originally financed their purchase through in-house developer financing or an early bank loan locked in at rates between 7% and 9%. As your loan matures and your equity builds, you gain leverage to negotiate a significantly lower rate. Refinancing to 5.99% p.a. on a 3,000,000 peso balance over a remaining 20-year term can translate to over 4,800 pesos saved every single month. Over the life of the loan, that is real money that stays in your family's hands — money that could fund your children's education, a vehicle, or even a second property. If you are curious how Ayala Land properties perform across different markets, you can also explore options like Alveo High Park BGC refinancing to see how the broader Ayala ecosystem supports competitive refinancing terms.
Nook is the Philippines' first digital mortgage broker, and our service is 100% free to borrowers. We compare offers from BDO, BPI, Metrobank, Security Bank, RCBC, UnionBank, and more — then present you with the best available rate for your specific Amaia property and financial profile. The entire process is handled online, so there is no need to visit multiple bank branches or wade through confusing paperwork on your own. If you have never explored refinancing before, now is an excellent time: rates are competitive, and your Amaia Series home in Iloilo gives you a strong starting position.
How it works
Enter your loan details into our calculator. Instantly see what banks are offering right now and how much you'd save each month. No personal information required.
If the numbers make sense, book a free call. Your consultant compares offers from 15+ banks — something that would take you weeks to do on your own — and recommends the best option for your situation.
We manage the entire application, documentation, and bank coordination. You sign where we tell you. Your new lower payment starts next month. Nook's service is completely free — we're paid by the receiving bank.
Common questions
Yes, you can. In-house developer financing is one of the most common starting points for Amaia homeowners, and refinancing to a bank loan typically unlocks significantly lower interest rates. You will need a clean title (or a contract-to-sell that is close to full transfer) and a solid repayment history to qualify for the best rates.
Most major Philippine banks — including BDO, BPI, Metrobank, Security Bank, and RCBC — are comfortable lending against Amaia Land properties given Ayala Land's strong developer reputation. Nook works with all of these lenders and will match you with the bank offering the most competitive rate for your specific unit and loan balance.
Most banks require a loan-to-value (LTV) ratio of 80% or below, meaning your outstanding loan balance should not exceed 80% of your property's current appraised value. If you have been paying your Amaia loan for several years and the property has appreciated — which is common in growing Iloilo neighborhoods — you likely already meet this threshold.
From application to loan release, the process typically takes four to eight weeks depending on the bank and the completeness of your documents. Nook streamlines this by preparing your application for multiple banks simultaneously, so you are not waiting in sequence for each lender's response.
Yes, completely free. Nook earns a referral fee from the bank that ultimately provides your loan — similar to how travel booking platforms work — so there is no cost to you as the borrower. You get professional guidance, rate comparisons across multiple lenders, and end-to-end application support at zero charge.
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